Call reports 2015
VALLEY BANK OF RONAN — 2015
What VALLEY BANK OF RONAN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,196,000 | 94,717,000 | 94,298,000 | 96,804,000 |
| Total loans | 33,340,000 | 45,848,000 | 45,149,000 | 43,653,000 |
| Allowance for loan losses | 648,000 | 666,000 | 729,000 | 751,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 8,672,000 | 8,297,000 | 9,296,000 | 9,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,804,000 | 85,794,000 | 85,112,000 | 87,619,000 |
| Interest-bearing deposits | 38,939,000 | 56,248,000 | 56,332,000 | 56,644,000 |
| Noninterest-bearing deposits | 18,865,000 | 29,546,000 | 28,780,000 | 30,975,000 |
| Equity capital | 8,240,000 | 8,669,000 | 9,008,000 | 9,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,474,000 | 2,529,000 | 3,425,000 |
| Interest expense | 30,000 | 66,000 | 101,000 | 134,000 |
| Net interest income | 582,000 | 1,408,000 | 2,428,000 | 3,291,000 |
| Noninterest income | 138,000 | 844,000 | 1,141,000 | 1,406,000 |
| Noninterest expense | 590,000 | 1,374,000 | 2,201,000 | 3,076,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 115,000 | 848,000 | 1,323,000 | 1,561,000 |
| Income tax | 71,000 | 375,000 | 511,000 | 569,000 |
| Net income | 44,000 | 473,000 | 812,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,237,000 | 8,446,000 | 8,656,000 | 8,692,000 |
| Total capital | 8,680,000 | 9,108,000 | 9,320,000 | 9,265,000 |
| Risk-weighted assets | 35,259,000 | 52,933,000 | 53,171,000 | 47,383,000 |